Connect with an IRA specialist
Schedule time with one of our IRA experts. They’ll walk you through Traditional and Roth options and answer any questions about timelines or contributions.
Whether you’re just getting started or building on years of progress, our IRA options help you grow your retirement savings with flexibility and support along the way
Smart, steady ways to save for retirement
IRA Savings
A tax-advantaged retirement savings account that lets your funds grow while you contribute, transfer, or reallocate as your plans evolve.
IRA Certificates
Lock in a fixed dividend rate between 3 to 60 months and watch your retirement savings grow steadily over time.
7-Month Promotional IRA Certificate
A short-term IRA certificate with a competitive rate — designed to help you grow your retirement savings with confidence.
How to open your IRA
Opening an IRA starts with a conversation. Our IRA specialists will guide you through your options and help you choose the structure that fits your goals.
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Choose your IRA type and savings option
With guidance from your specialist, decide between a Traditional or Roth IRA based on your income, tax situation, and retirement goals. Then, choose flexible IRA Savings or a fixed-rate IRA Certificate term that aligns with your timeline and how you want your retirement funds to grow.
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Fund your new IRA
Complete your contribution paperwork and fund your account. Your specialist will confirm everything is properly structured and ready to begin earning.
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IRA Certificate Specials
| Term | Balance | Dividend | APY* |
|---|---|---|---|
| 5-Month Certificate | $500.00 - $500,000.00** | 4.879% | 5.00% |
| 15-Month Certificate | $500.00 - $500,000.00** | 4.879% | 5.00% |
| 7-Month Early Withdrawal | $500.00 - $1,000,000.00 | 3.392% | 3.45% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Rates are effective as of 10.05.26. Certificate rates are subject to change without notice. A penalty may be applied for early withdrawal of funds. Fees may reduce earnings. A $500 minimum opening deposit is required for the 7-Month Early Withdrawal, 5 Month Special, and 15 Month Special Certificates. Certificate rates are available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 or 800.782.4670. Some transfer and withdrawal limitations and restrictions may apply. ** Balance limit: Each Allegacy member may open multiple 5 Month Special, IRA 5 Month Special, 15 Month Special, and IRA 15 Month Special accounts, but each Allegacy member is limited to $500,000.00 in total balances across all 5-month accounts and $500,000.00 in total balances across all 15-month accounts. Dividends accrued/paid into 5-month and 15-month accounts do not count toward the balance limit. If the balance limit is exceeded, Allegacy may transfer excess funds to another of your accounts (Checking, Savings, or Money Market). A standard Early Withdrawal Penalty may apply to excess funds transferred out of 5-month or 15-month accounts. |
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IRA Certificate Rates
| Term | Balance | Dividend | APY* |
|---|---|---|---|
| 3 Month | $500.00 - $250,000.00 | 2.37% - 2.57% | 2.40% - 2.60% |
| 6 Month | $500.00 - $250,000.00 | 2.42% - 2.62% | 2.45% - 2.65% |
| 9 Month | $500.00 - $250,000.00 | 2.52% - 2.66% | 2.55% - 2.70% |
| 12 Month | $500.00 - $250,000.00 | 3.20% - 3.39% | 3.25% - 3.45% |
| 18 Month | $500.00 - $250,000.00 | 3.10% - 3.30% | 3.15% - 3.35% |
| 2 Year | $500.00 - $250,000.00 | 3.59% - 3.78% | 3.65% - 3.85% |
| 3 Year | $500.00 - $250,000.00 | 3.20% - 3.39% | 3.25% - 3.45% |
| 4 Year | $500.00 - $250,000.00 | 3.25% - 3.44% | 3.30% - 3.50% |
| 5 Year | $500.00 - $250,000.00 | 3.30% - 3.49% | 3.35% - 3.55% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Rates for the IRA 5 Month Special and IRA 15 Month Special are effective as of 10.05.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for IRA certificates. **Balance limit: Each Allegacy member may open multiple 5 Month Special, IRA 5 Month Special, 15 Month Special, and IRA 15 Month Special accounts, but each Allegacy member is limited to $500,000.00 in total balances across all 5-month accounts and $500,000.00 in total balances across all 15-month accounts. Dividends accrued/paid into 5-month and 15-month accounts do not count toward the balance limit. If the balance limit is exceeded, Allegacy may transfer excess funds to another of your accounts (Checking, Savings, or Money Market). A standard Early Withdrawal Penalty may apply to excess funds transferred out of 5-month or 15-month accounts. |
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